Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1006–1020 results
- Pacific Alliance BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.91%APY$391 over 1 year on $10,000Requirements
Offer: Annual Percentage Yield is based on a quarterly compounding and assumes interest will remain on deposit until maturity.
3.85% interest rate · Effective Jan 15, 2025
Rate checked
More details - New Alliance FCUCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Membership required. Early withdrawal penalty applies (30 days dividend for 3–6 month terms; 90 days dividend for 12–60 month terms). No maintenance or set-up fees.
Offer: Special Offer: 12-Month CD Special. Requires $1,000 minimum deposit with new money required. APY accurate as of 10/16/2026. Penalty may be imposed for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Gold relationship tier
Qualified rate · 3.83% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Peoples Bank of Moniteau CountyCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: No deposits or withdrawals permitted during term. Automatically renewable unless otherwise stated with a 10-day grace period to withdraw funds. Early withdrawal penalties: 91 day to 182 day = 60 days interest penalty; 12 months - 15 months = 90 days interest penalty; 18 months - 60 months = 6 months interest penalty.
Offer: 12 Month CD; Interest paid/compounded Semi-Annual; $500 minimum deposit required
3.86% interest rate · Effective Oct 1, 2026
Rate checked
More details - Beacon Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.
3.83% interest rate · Compounded monthly · Effective Oct 21, 2026
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More details - Seattle Credit UnionCertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
Offer: Bump Option: Not Eligible.
3.83% interest rate · Effective Oct 15, 2026
Rate checked
More details - Alpine Credit UnionFlex CertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: 12-month term only. Auto renewal. $500 minimum deposit with $500 minimum balance required at all times. One penalty-free withdrawal within the first 5 business days of each new quarter (January, April, July, October).
3.84% interest rate
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More details - Alpine Credit UnionBump CertificateCD · 12–23 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYintro rateRequirements
Product: One-time bump-up in dividend rate during term. Maturity date options 12-60 months. Auto renewal. $500 minimum deposit.
Promotional rate · 3.84% interest rate
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 12–17 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
3.83% interest rate · Effective Oct 21, 2026
Rate checked
More details - First Federal Savings & Loan AssociationLong Term CertificatesCD · 12 months · $100 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).
Offer: 1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100).
3.77% interest rate · Effective Oct 21, 2026
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More details - UniWyo Credit UnionShare CertificateCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
3.84% interest rate · Effective Oct 15, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 12 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.90% $25,000 – $99,999 3.95% $100,000 and up 4.00% Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 12 months · $500 min · 3.90%–3.95% by balance
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 3.90% $100,000 and upFor balances > $100K. 3.95% Rate checked
More details - Discovery Federal Credit UnionCertificatesCD · 12 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Fixed rate for the term of Certificate. Minimum balance requirement of $100. Assumes dividends remain on deposit and subject to change.
3.83% interest rate · Effective Oct 1, 2026
Rate checked
More details - UNB BankCertificates of DepositCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Penalty may be imposed for withdrawals before maturity. Annual Percentage Yield based on monthly compounding. Minimum balance not required to maintain APY.
3.83% interest rate · Effective Sep 22, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay nationwide
5,320 CDs at 4,376 banks and credit unions · checked Oct 22–24
- Typical
- 3.30%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.45%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank